13 VOLUNTARY BENEFITS Even with medical insurance, you could still be subject to unexpected out-of-pocket expenses in the form of copays, deductible, and coinsurance. These Voluntary Benefits provide lump sum payments to be used towards your health care expenses, or however you see fit. ACCIDENT INSURANCE CRITICAL ILLNESS HOSPITAL INDEMNITY Click on the icons to the right to learn more about each of these benefits. MONTHLY PREMIUM Employee: $11.60 Employee + Spouse: $18.12 Employee + Children: $22.36 Family: $29.35 MONTHLY PREMIUM Employee: $19.14 Employee + Spouse: $36.89 Employee + Children: $26.86 Family: $44.15 Age 0-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85+ Rates $0.55 $1.03 $1.27 $1.34 $1.51 $2.04 $2.73 $3.90 $5.23 $7.12 $9.05 $11.28 $13.40 Monthly Rates per $1,000 of Coverage for Employee and Spouse NEW BENEFIT OFFERING